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What happens when I die

The SOCPF provides pensions for your Qualifying Spouse and Children in the event of your death.

What will my Qualifying Spouse receive when I die?

The benefits available are set out in the retirement quotation you received before you retired. In summary, they are generally as follows:

60% of your own pension, before giving up any pension for a cash sum when you retired.

If you joined the SOCPF before 1 January 2009, a discretionary bereavement grant decided by the Founding Companies if you are under age 75 (the Founding Companies have the discretion to decide the amount and whether to pay this benefit to your Qualifying Spouse).

Are there any other payments due?

If you have been receiving a pension for less than five years, the Trustee has the discretion to pay the remainder of the payments due for the five-year period to your estate as a lump sum, subject to certain limits.

If you are not married and do not have a civil partner, a pension may be payable to an Adult Dependant, at the discretion of your Employing Company. Please read the Adult Dependants Factsheet for further details.

A Children’s pension, the amount of which depends on whether you have a Qualifying Spouse and how many Children you have. See the SOCPF explanatory booklet for full details.